Fundbox is a leading capital infrastructure provider behind the digital SMB economy funding, using data-driven underwriting to make approval and funding quicker. Pulse 2.0 interviewed Fundbox Chief Business Officer Anchit Singh to gain a deeper understanding of the company.
Anchit Singh’s Background
Your professional journey spans leadership roles across financial services and fintech. What experiences best prepared you for your role as Chief Business Officer at Fundbox? Singh said:
“Throughout my career, I’ve had the opportunity to work at the intersection of financial services, technology, and analytics, whether it was building data-driven products, developing credit strategies, or scaling go-to-market operations. Those experiences gave me a robust understanding of how to create innovative financial services while maintaining a strong risk and operational foundation. At Fundbox, I’m able to draw on that background to drive strategic growth, strengthen partnerships, and ensure our products deliver meaningful value to both our partners and small businesses.”
Fundbox’s Mission
What attracted you to Fundbox’s mission, and how does your current role allow you to shape strategic growth and partnerships? Singh shared:
“Fundbox’s mission to democratize access to capital for small businesses deeply resonated with me. Having seen how cash flow challenges can limit a business’s growth potential, I was drawn to the opportunity to help level the financial playing field. In my role as CBO, I lead our strategy, product, partnerships, and marketing functions, which allows me to help shape how we scale our embedded partnerships and expand access to capital where businesses need it most, directly within the tools they already use.”
Defining Memory
Looking back, is there a moment or project at Fundbox that stands out as a defining memory for you? Singh reflected:
“One of the proudest moments for me this past year was the launch of Autobooks Capital, built in partnership with Autobooks, a leader in small business banking tools that works with financial institutions to support small businesses. This integration brought Fundbox’s capital directly into the digital banking experience that FIs provide to their small business customers, giving the tens of thousands of SMBs that Autobooks serves access to fast, flexible capital without leaving their banking platform. Seeing that scale of impact, businesses able to manage cash flow and fund growth seamlessly through their existing banking relationship, was incredibly rewarding and represented a major milestone in our embedded finance strategy and our ability to work with financial institutions to better serve small businesses.”
Core Financial Products
For those unfamiliar, can you walk us through Fundbox’s core financial products and the value they bring to small businesses? Singh explained:
“Fundbox is a leading capital infrastructure provider designed to seamlessly integrate with the tools small and medium-sized businesses already use, including accounting platforms, invoicing solutions, and other digital ecosystems. Our comprehensive suite of solutions meets SMBs at every point of their cash flow cycle—whether it’s cash coming in, cash on hand, or cash going out. Our core offerings include embedded capital lines of credit and invoice financing that provide swift, simple access to funds, often within minutes. This enables SMBs to smooth cash flow, invest in growth opportunities, and avoid disruptions caused by delayed payments, ensuring they have the right financial tools at every stage of their business operations.”
Unique Challenges
What unique challenges have you encountered in the SMB credit and payments ecosystem recently, and how have you and your team addressed them? Singh acknowledged:
“One ongoing challenge has been the economic uncertainty and volatility impacting small business cash flow and risk profiles. Rather than pulling back, we leaned into our advanced data models to better understand customer behavior and adapt our underwriting strategies. This approach allowed us to continue extending credit responsibly while supporting customers through periods of uncertainty.”
Leveraging Advanced Data
Fundbox leverages advanced data and technology for underwriting and embedded finance products. How has that evolved since you joined? Singh noted:
“Since I joined, we’ve significantly expanded the range of data sources we use and enhanced our risk models with more advanced machine learning techniques. This has enabled us to underwrite a broader range of small businesses, including those without traditional credit histories, and deliver decisions in near real-time. It’s an area where we continue to innovate because we believe better data ultimately means better access for our customers.”
Milestones
Can you highlight a few milestones that signal Fundbox’s growth and transformation over the past few years? Singh cited:
“We’ve helped more than 150,000 small and medium-sized businesses unlock over $6 billion in capital, a milestone that speaks to our scale and impact. Additionally, we’ve shifted from being primarily a direct-to-business lender to becoming the capital infrastructure behind leading SMB platforms. That strategic evolution has fueled significant revenue growth and positioned us as a leader in embedded finance for SMBs.”
Customer Success Stories
Are there any customer stories that you feel best illustrate Fundbox’s real-world impact? Singh highlighted:
“What I find most rewarding are the stories we hear from service-based businesses who’ve been able to transform their operations through better cash flow management. We regularly see customers who were previously constrained by payment timing, waiting 30, 60, or even 90 days to get paid, suddenly able to invest in inventory, equipment or growth opportunities that drive measurable improvements in their business efficiency and revenue. These businesses often tell us they’ve moved from just surviving day-to-day cash flow challenges to actually scaling and competing more effectively in their markets. It’s those transformation stories that really demonstrate why access to flexible capital matters so much for small business growth.”
Key Metrics
While respecting confidentiality, can you share any insights on Fundbox’s financial growth, funding, or key business metrics? Singh revealed:
“Fundbox has scaled revenue tenfold to exceed $100 million annually while maintaining profitability and significant cash reserves. We’ve also secured strong backing from leading investors and continue to invest in building our embedded infrastructure. This financial strength allows us to weather market shifts and focus on long-term growth opportunities.”
Market Opportunity
What size and scope of market opportunity is Fundbox pursuing, and how do you see that evolving as fintech matures? Singh assessed:
“The small business financing gap in the U.S. alone is estimated to be hundreds of billions of dollars annually. As digital adoption accelerates, the opportunity to embed capital directly within the tools SMBs already use only grows larger. We see a future where financial services are seamlessly integrated into business workflows, and Fundbox is well positioned to power that shift.”
Differentiation From The Competition
From your perspective, what makes Fundbox stand out from its competitors in embedded finance and SMB credit? Singh affirmed:
“Fundbox stands out because of our proven track record, advanced data-driven underwriting, and embedded-first strategy. Unlike many newer entrants, we’ve successfully operated through multiple economic cycles, building both financial stability and customer trust. We assess a wide range of data sources, from banking and accounting information to payment behavior and beyond, to create a more holistic view of creditworthiness, making capital more accessible to businesses that might be overlooked by traditional lenders. Our approach focuses on meeting customers where they are while delivering an exceptional, frictionless experience.”
Goals
What strategic priorities or goals are you personally most focused on for Fundbox’s future? Singh emphasized:
“My focus is on scaling our embedded partnerships, advancing our product and technology capabilities, and ensuring we deliver an exceptional customer experience. We’re also committed to expanding the range of businesses we can serve, including those traditionally overlooked by legacy lenders. Ultimately, it’s about making sure every small business has access to the capital it needs to thrive.”
Additional Thoughts
Is there anything we haven’t touched on that you feel is important for people to know about Fundbox or your vision as CBO? Singh concluded:
“Fundbox is more than just a financial technology company. Fundbox is a mission-driven partner to small businesses. My vision is to continue building products that empower entrepreneurs to grow, adapt, and succeed regardless of market conditions. We believe small businesses are the backbone of the economy, and our goal is to ensure they have the financial tools to succeed in a rapidly evolving digital world.”
